Just under 70 percent of American families own their homes. But it can be awfully tough for many working Americans who live paycheck-to-paycheck to save enough for that all-important down payment.

That’s where a network of local programs comes in — to help people learn how to save and give them a boost toward their goal.

Thirty-two-year-old Maria Cruz is raising four boys on her own. There’s Evan. The inquisitive one — he’s Darius. Marquis likes to show off. And Andrew, well, he’s a teenager now. For the past year — for the first time ever — they’ve had a home of their own, reports CBS News correspondent Thalia Assuras.

“I can’t believe it,” says Cruz. “This is me. I own this. I keep saying that to myself all the time.”

Maria is a medical assistant who earns $25,000 a year — not enough to buy a house. That changed when she spotted a savings and education program for low-income working families called “Individual Development Accounts” at her local community center. It was a way to start saving.

“My goal every month was at least $100,” she says.

Read full article: CBS News